我国商业银行高利润问题研究

A Study on the High Profit Issue of Commercial Banks in China

近年来,我国商业银行的利润持续走高,引来社会各界的广泛关注,并形成了"暴利"、"争利"、"掠夺"等微词。商业银行获取高额利润的真正原因是什么,这种高额利润的来源和增长模式是否可持续,未来又将如何变化和应对呢?文章认为应该认真分析、理性对待银行业的高利润问题,在实体经济低迷的大环境下,银行业依然获取了骄人业绩,这里面既存在合理的市场因素,也有非市场的制度、体制上的深层次原因,至于未来银行的高利润是否会持续,最终取决于政策上的金融制度变革和银行自身的经营方式和理念上的转变。

In recent years,China’s commercial banks’profits are on a continued rise,it caused widespread concern in the community,and formed a“windfall”,“compete for profit”,“predatory”and other complaints. Why commercial banks can obtain high profits？Can they sustain the source of high profits and the growth model？How to deal with the future changes？This paper argues that we should carefully analyze and rationally treat the high—margin banking issues. The real economy is under the downturn environment,but banking still obtain remarkable results,there are reasonable market factors and some deep—seated reasons of non—market system. The high—profit of future banks will continue or not depends on the financial system policy change and the management and philosophy change of banks.